Business Insurance Policies Offered
Commercial Property Insurance
Commercial Property Insurance covers the risk of property loss in a variety of commercial insurance situations including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.
Commercial General Liability Insurance
Commercial General Liability Insurance (CGL) covers your exposure to third party claims for bodily injury, property damage, or personal injury or lawsuits.
Professional
Liability
Professional Liability Insurance, also called Errors and Omissions (E&O), covers professionals with specific knowledge in a specific area and protects them against claims from their clients.
Commercial Umbrella Liability Insurance
Commercial Umbrella Liability Insurance is written to cover your exposure to damages by third parties for bodily injury or property damage claims or lawsuits that exceed your limits on your underlying policies.
Commercial Auto Insurance
Commercial or Business Auto Insurance provides coverage to all types and sizes of businesses and accommodates a wide variety of situational variations.
Directors &
Officers
Directors and Officers Insurance (D&O) protects the personal assets of a company’s directors and officers as well as the company’s financial well-being.
Surety
Bonds
Surety Bond insurance is a three-party contract under which one party (the surety) guarantees to another party (the obligee) that a third party (the principal) will perform the obligation stated in the bond.
Employment Practice Liability Insurance
Employment Practice Liability Insurance (EPLI) provides protection for a business against claims made by current, former or potential employees for discrimination, harassment and other employment-related allegations.
Captive
Insurance
Captive Insurance is a form of corporate “self-insurance” that is wholly owned and controlled by its insureds. This is an increasingly deployed alternative approach to risk management.
Workers Compensation
Workers Compensation (or workers comp) protects your business and employees from work-related injuries, accidents or even death.
Flood Insurance
Commercial Flood Insurance can help cover your repair costs if your business or property gets damaged from floodwater.
Risk Management
Professional Insurors uses a Risk Management Process in order to strategically provide your business with the most cost-efficient and effective insurance coverage.
Cyber Liability Insurance
Cyber Liability Insurance helps protect businesses against the viciously damaging and increasingly prevalent threat posed by breaches in cyber security.
Contractor Equipment Coverage
Contractor Equipment Coverage is a broad-ranging policy designed to cover damaged or missing contractors equipment.
Non Profit Management Liability
Non Profit Management Liability protects non-profit organizations and their employees from threats of litigation that may impact their bottom lines.
Equipment Breakdown
Equipment Breakdown coverage is needed for loss due to mechanical or electrical breakdown of business equipment. Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown.
What Is Business Insurance?
Business Insurance is an umbrella term that accounts for many types of coverage available to commercial businesses. We know every business has unique needs due to the industry it’s in and the nature of the organization. Business insurance provides peace of mind knowing that your business is protected.
Who Needs Business Insurance?
Business owners who are running any type of business need business insurance. There’s so much that makes a business owner great, and one of the most prominent features is recognizing that your company might incur damages along your business journey. Damages for business are typically very costly, threatening and angst-inducing, making the need for proper insurance coverage even more important for responsible businesses.
What Does Business Insurance Cover?
Business (commercial) insurance coverages are vast and varied. Professional Insurors offers a plethora of coverages, because we know the right insurance coverage is essential to protecting your business. From our exclusively designed programs that meet your industry and operational risk profile to our deep expertise and relationships with top-tier insurance company markets, we can find the precise insurance solution to address your businesses’ needs.